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If you're going to utilize a small-cap index like the Russell 2000, you might desire to stop and take into consideration why a good index fund business, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a poor index.
I haven't also attended to the straw guy here yet, and that is the truth that it is fairly unusual that you really have to pay either tax obligations or substantial compensations to rebalance anyway. Most intelligent investors rebalance as much as possible in their tax-protected accounts.
And of course, no one should be getting crammed shared funds, ever. It's actually too bad that IULs don't function.
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